Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
176 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not shopping?
Why this card
$180/yr value — Exclusive Tables Dining Credit
$252/yr value — DoorDash DashPass & Credits
Est. $80.50/yr in usable credits offset part of the $795 fee — actual value depends on use and eligibility
Cardless
Why this card
3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Est. $5/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
American Express
Why this card
$60/yr value — $120 Dining Credit
$50/yr value — $100 Resy Credit
$42/yr value — $84 Dunkin' Credit
Est. $18/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
Bonus rate on first $50,000/annual, then base rate
Why this card
Est. $316.50/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
Why this card
Est. $6.50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why this card
Est. $5/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why this card
Why this card
No annual fee
Capital One
Why this card
Across your $6,000 mix ($3,000 Shopping at 1%, $3,000 Dining at 4%): $150/yr in Williams Sonoma family of brands certificate value on $6,000 of eligible purchases. Not cash: reward certificates require future qualifying Williams Sonoma family of brands purchases before they expire.
No annual fee
Why this card
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
Why this card
$30/yr value — Complimentary DashPass Membership
$15/yr value — Instacart+ Membership & Credit
Est. $81.50/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Why this card
No annual fee
Synchrony
Why this card
No annual fee
Why this card
No annual fee
Bank of America
Why this card
Capital One
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
3% in Macy's certificate value) on Dining. Across your $6,000 mix ($3,000 Shopping at 1x, $3,000 Dining at 3x): $120/yr in Macy's certificate value on $6,000 of eligible purchases. Not cash: reward certificates require future qualifying Macy's purchases before they expire.
No annual fee
TD Bank
Why this card
No annual fee
American Express
Why this card
Bonus rate on first $15,000/annual, then base rate
Why this card
Bonus rate on first $15,000/annual, then base rate
Bank of America
Why this card
Est. $15/yr in usable credits offset part of the $395 fee — actual value depends on use and eligibility
Chase
Why this card
$20/yr value — DoorDash
No annual fee
FNBO
Why this card
No annual fee
Capital One
Why this card
No annual fee
WebBank
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
Why this card
No annual fee
For this search, our top pick is the Chase Sapphire Reserve, which earns 3x Ultimate Rewards on dining, worth about 5.4¢ per dollar at our 1.8¢ valuation. It has a $795 annual fee and comes with $1,370 a year in credits, of which we count $81 as typically used. If you'd rather not pay a fee, the Wells Fargo Autograph Visa earns 3x Wells Fargo Rewards on dining, worth about 4.4¢ per dollar at our 1.5¢ valuation.
